If you’re somewhat familiar with investing, you may know that the Roth IRA is a great retirement-savings vehicle. But are you aware that some of its benefits can also pay off for the next generation of your family?

To understand why this is so, it’s necessary to be familiar with a Roth IRA’s features. For starters, when you contribute to a Roth IRA, your earnings have the potential to grow tax free, provided you don’t start taking withdrawals until you’re 59 and a half and you’ve had your account at least five years.

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The holidays. What does that phrase bring to mind? For me, it would be sweet family memories, decorating, special recipes and Christmas Eve services at church. It would be the smell of pine, the warmth of a crackling fire and the Christmas songs we grew up singing.
But for a family struggling with domestic violence, the holidays often have a completely different meaning. The disturbing reality is that instead of sugar cookies and candy canes, children of a violent home will more often remember anger and depression. Instead of sweet family moments, they will remember tension and isolation. Instead of holiday music, they will remember shouting and swearing.